This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 1,402 complaints

First Credit Services Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 49 states, reputation grade D.

Complaints by issue type

What consumers report about First Credit Services Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record first-credit-services-inc First Credit Services Inc.

Grade D · 1,402 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #124 · compose #142

  • VOL 1,402
  • GRADE D
  • 12MO 425
  • STATES 49
  • TIMELY 99%
  • DISPUTE 15%
  • ISSUE Attempts to collect debt n…
  • RANK #124
  • COMPOSE #142

Volume peers

Nearest volume peer: Truist Financial Corporation (1,393 complaints)

Continental Services Group, Inc. d/b/a ConServeContinental Services Group, …1,344CNG Financial CorporationCNG Financial Corporation1,358Truist Financial CorporationTruist Financial Corporation1,393First Credit Services Inc. (this)First Credit Services Inc. (…1,402Contract Callers IncContract Callers Inc1,423
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

First Credit Services Inc.'s 1,402 CFPB complaints sit next to Truist Financial Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 1,402 complaints break down

Every complaint issue type on record for First Credit Services Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.7/100
First Credit Services Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,402
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
15%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Florida is the plurality state for First Credit Services Inc. (20.3%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Florida 20.3%
Mid-band (15–30%) · 49 states with ≥1 filing
Seasonal peak
2026-01 11.3%
8–15% band · 209 filings
Corpus ranks
#124 volume
#142 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does First Credit Services Inc. compare to its peers?

How does First Credit Services Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
First Credit Services Inc. National average
Complaints (last 12 mo)lower is better
425
569
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
15%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy First Credit Services Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 95%96%97%98%99%100%101% 0%10%20%30% Timely response rate (%) Dispute rate (%) First Credit Services Inc. vs. 9 similar-volume peers, by response speed and dispute rate First Credit Services Inc.CONTRACT CALLERS INCCNG FINANCIAL CORPORATIONContinental Services Group, Inc. d/b/a ConServeFranklin Collection Service, Inc.ACIMA CREDIT, LLCBridgecrest Acceptance CorporationThe Receivable Management Services LLCUNITED SERVICES AUTOMOBILE ASSOCIATIONFirstsource Business Process Services, LLC
Source: CFPB Consumer Complaint Database

First Credit Services Inc.'s complaint volume in context

First Credit Services Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,402 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. First Credit Services Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
594
Written notification about debt
254
Took or threatened to take negative or legal action
140
False statements or representation
131
Communication tactics
120
Cont'd attempts collect debt not owed
95
Disclosure verification of debt
36
Electronic communications
15
Improper contact or sharing of info
9
Threatened to contact someone or share information improperly
8

Where do complaints against First Credit Services Inc. come from?

First Credit Services Inc.'s own per-state count, not a national baseline.

Top states by complaints against First Credit Services Inc.

Across 49 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Credit Services Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,402.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.36102236421725%.

4 peers

Know your rights before responding to First Credit Services Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.